307 Lora Ave, Ponca City, OK 74601 Property Records

Kay County property record for 307 Lora Ave, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,369 sqft · built 1981
Lot Size	0.179 acres (7,797 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Sep 2020)
Tax Bill	$1,307 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1010-00-002-004-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`1010-00-002-004-0-000-00`
Alternative APN	`7675`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,369 sqft Living Area
1st Floor Area	1,361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Shed	1 Shed
Shed Area	140 sqft
Lean-To	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7675
Street Address	307 LORA AVE
City	PONCA CITY
State	OK
Zip	74601-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C-NORTH MEADOWLARK BLK 2 LOT 4
Legal Range	02E
Legal Township	26N
Legal Section	16
Legal Subdivision	NORTH MEADOWLARK
Legal Block	2
Legal Lot Number	4
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	6
Census Block	6017
Census Tract	100

Owner

Source: Kay County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	307 LORA AVE, PONCA CITY, OK 74601-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 14, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 21, 2019	Deed of Trust, Mortgage · Line of Credit RCB BK
Jun 15, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on File
Deed Sale	Sep 14, 2020 · Amount on File
Prior Sale	May 8, 2012 · Amount on File
Deed Document Number	20206503
Deed Book / Page	1846 / 331
Prior Transfer Date	Jun 15, 2018
Prior Transfer Doc	0000004692
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	307 LORA AVE, PONCA CITY, OK 74601-1319
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 LORA AVE, PONCA CITY, OK 74601-1319

Mortgage

Document Number	I2022000818
Date	Jan 31, 2022
Book Page	1895/454
Instrument	I-2022-000818

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Sep 14, 2020
Property Address	307 LORA AVE, PONCA CITY, OK 74601-1319
Document Number	0000006503
Book / Page	1846 / 331
Instrument Date	Sep 11, 2020
Instrument	2020-006503
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006504
Date	Sep 14, 2020
Instrument	2020-006504

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	307 LORA AVE, PONCA CITY, OK 74601-1319
Document Number	0000001502
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 LORA AVE PONCA CITY OK 746011319, PONCA CITY, OK 74601-1319

Mortgage

Document Number	0000001502
Date	Mar 5, 2019
Book Page	001800/000310
Instrument	1502

Lender

Name	RCB BK
Type	Bank
Address	PONCA CITY, OK 74604-1738

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 4, 2024

Interest

Rate Type	Adjustable Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KAY OK
Recording Date	Jun 15, 2018
Property Address	307 LORA AVE, PONCA CITY, OK 74601-1319
Document Number	0000004692
Book / Page	001779 / 000541
Instrument Date	Jun 15, 2018
Instrument	4692
Transaction Type	Transfer
Record Updated	Jun 29, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	307 LORA AVE PONCA CITY OK 746011319, PONCA CITY, OK 74601-1319

Tax Assessment & Valuation

Source: Kay County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Kay County
Municipality	Ponca City
Unified School District	Ponca City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$15,104 (+2.99%) Land $815 Building $14,289	$137,310 (-6.94%) Land $7,410 Building $129,900
2025	$1,307.00 (+4.31%) Homeowner's exemption	$14,665 (+3.01%) Land $1,060 Building $13,605	$147,551 (-2.35%) Land $9,633 Building $137,918
2024	$1,253.00 (+1.29%) Homeowner's exemption	$14,237 (+3%) Land $1,060 Building $13,177	$151,099 (+9.12%) Land $9,633 Building $141,466
2023	$1,237.00 Homeowner's exemption	$13,823 Land $1,060 Building $12,763	$138,465 Land $9,633 Building $128,832

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	13 (1979–2008)
Claims Outside the SFHA	2 of 13
Most Recent Claim	May 2008 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, May 1987 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KAY CO RWD #3 serves 1,000 people · EPA ID OK3003602
Water Source	Purchased surface water from PONCA CITY MUN WATER
Last State Inspection	Oct 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ponca City Utility Authority Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T, Chisholm Broadband, Kwikbit.

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